ET TALIE
ActiveThe computed 12-month bankruptcy probability of ET TALIE is 1.6% (moderate). The 2025 annual accounts show negative equity (€-116k) and a net result of €13k. Equity is shrinking by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 13204 sector peers (fiscal year 2025). The company has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+5
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.45 against 0.16 in 2024; short-term debt: 185.6% and cash: 74.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-607.1%
Return on assets
66.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 13204 sector peers (2025).
NBB · sector comparisonPosition among 13204 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
61 d late
2022
30 d late
2021
31 d late
2020
27 d late
2019
98 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-116k▲ 9.8%
2024 · €-129k
2018: €-86k
2019: €-83k
2020: €-95k
2021: €-116k
2022: €-125k
2023: €-131k
2024: €-129k
2018 → 2025
Total assets
€19k▲ 168%
2024 · €7k
2018: €31k
2019: €52k
2020: €34k
2021: €13k
2022: €4k
2023: €3k
2024: €7k
2018 → 2025
Net result
€13k▲ 728%
2024 · €2k
2018: €16k
2019: €3k
2020: €-13k
2021: €-21k
2022: €-9k
2023: €-6k
2024: €2k
2018 → 2025
Working capital
€-20k▲ 34.8%
2024 · €-30k
2018: €-6k
2019: €-15k
2020: €-22k
2021: €-26k
2022: €-26k
2023: €-33k
2024: €-30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-116k-€-125k▼ 7.4%€-131k▼ 4.7%€-129k▲ 1.2%€-116k▲ 9.8%
Operating result€-20k-€-9k▲ 57.5%€-6k▲ 31.7%€2k€13k▲ 688%
Net result€-21k-€-9k▲ 58.4%€-6k▲ 31.1%€2k€13k▲ 728%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 688% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19k
Fixed assets
€3k▲ 182%
Current assets
€16k▲ 165%
Key figures and ratios
EBITDA
€14k▲
2024 · €2k
Cash flow
€14k▲
2024 · €2k
Solvency
-607.1%
Current ratio
0.45▲
2024 · 0.16
Quick ratio
0.45▲
2024 · 0.16
Debt / equity
-1.16▼
2024 · -1.06
ROA
66.2%▲
2024 · 21.4%
Interest coverage
149.93▲
2024 · 25.78
Debt
€136k▼
2024 · €136k
Debt ≤ 1 year
€36k▼
2024 · €36k
Debt > 1 year
€100k=
2024 · €100k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€7k€19k▲
Fixed assets21/28€1k€3k▲
Tangible fixed assets22/27€1k€3k▲
Plant, machinery and equipment23€1k€3k▲
Current assets29/58€6k€16k▲
Amounts receivable within one year40/41€4k€2k▼
Trade receivables40€3k€2k▼
Other amounts receivable41€2k-
Cash at bank and in hand54/58€1k€14k▲
Deferred charges and accrued income490/1€323-
Equity and liabilities
Total equity and liabilities10/49€7k€19k▲
Equity10/15€-129k€-116k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-148k€-135k▲
Amounts payable17/49€136k€136k▼
Amounts payable after more than one year17€100k€100k=
Financial debts170/4€100k€100k=
Amounts payable within one year42/48€36k€36k▼
Trade debts44-€1k
Suppliers440/4-€1k
Advances received on contracts in progress46€1k€304▼
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Other amounts payable47/48€33k€33k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€708€1k▲
Other operating charges640/8€534€120▼
Gross operating margin9900€3k€14k▲
Operating profit (loss)9901€2k€13k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€90€95▲
Recurring financial charges65€90€95▲
Profit (loss) for the period before taxes9903€2k€13k▲
Profit (loss) for the period9904€2k€13k▲
Profit (loss) for the period to be appropriated9905€2k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-148k€-135k▲
Profit (loss) brought forward from the previous period14P€-149k€-148k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 4 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 98 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Schilde · 1 establishment unit since 1996
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Brasschaatsebaan 932970 SchildeGround area
1,554 m²
Building footprint
261 m²
Volume, LiDAR
1,194 m³
Parcel 11039D0125/00M008, Flanders · tallest building 8.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ET TALIE
since 19962.078.193.128
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039D0125/00M008 | Flanders | 1,554 m² | 1 · 261 m² | 8.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 14,025 companies in sector 56301 we hold annual accounts for 4,894.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded22-01-1996
Fiscal year end31-12
Activities, NACEBEL
55401
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.